Plan & Multiply: Budget Live

You know that knot in your stomach at the end of the month? You stare at your account, no idea where the money went? Plan & Multiply isn't just a budget app. It's a calm voice that helps you take back control of your spending, without judging you. WHAT YOU CAN DO • 100% without a bank connection — no passwords, no scraping, fully private and yours to control • Log an expense in 3 seconds — one tap, that's it • Add an expense from your home screen — long-press the icon, without opening the app • See your available money and allocate it in one tap — you decide, the app recalculates • See exactly what you can spend today — no more mental math • Catch price hikes and duplicate subscriptions — the app alerts you before you pay • Share a budget with your partner — free, no account needed • Run several budgets in parallel — personal, couple, vacation project • Track recurring bills that match themselves automatically — rent, Netflix, insurance • Build healthy habits month after month — no childish badges or levels • Keep a long-term wealth view — accounts, real estate, investments • Follow the 3F method — Fixed, Flexible, Future, grown-up and simple • Work 100% offline — your data stays with you • Talk with Kim, a kind and discreet money coach — 100% private, no ads, no data resale • Use the app in 6 languages — English, French, German, Spanish, Italian, Portuguese COUPLE SHARING Inviting a partner and read-only sharing of a budget are included for free. Two-way sync, automatic settlement of shared expenses and shared jars are Premium. THE 3F METHOD Plan & Multiply splits your income into three clear zones: - Fixed: your recurring bills, checked off as they go through - Flexible: your spending envelopes for daily life - Future: your savings jars with goals and deadlines Every dollar has its place. You know exactly what you can spend today. 100% YOURS No bank connection. No scraping. No data resale. The app works offline, and your data is encrypted before any sync. PREMIUM Premium unlocks: two-way couple sync + auto settlement, long-term tracking across months, continuous subscription audit, shared jars. Premium comes with a 7-day free trial. Monthly or yearly — the price for your country is shown in the app and on your Google Play page. No commitment, cancel anytime.